Call reports 2015
NORTH AMERICAN STATE BANK — 2015
What NORTH AMERICAN STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 103,663,000 | 107,162,000 | 97,826,000 | 101,163,000 |
| Total loans | 67,191,000 | 68,060,000 | 66,630,000 | 70,419,000 |
| Allowance for loan losses | 1,596,000 | 1,598,000 | 1,603,000 | 1,547,000 |
| Securities available for sale | 20,190,000 | 19,401,000 | 17,779,000 | 16,812,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,325,000 | 91,945,000 | 82,297,000 | 84,363,000 |
| Interest-bearing deposits | 70,024,000 | 68,345,000 | 66,093,000 | 66,293,000 |
| Noninterest-bearing deposits | 18,301,000 | 23,600,000 | 16,204,000 | 18,070,000 |
| Equity capital | 11,081,000 | 10,945,000 | 11,241,000 | 11,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 984,000 | 1,970,000 | 2,962,000 | 3,958,000 |
| Interest expense | 114,000 | 227,000 | 342,000 | 455,000 |
| Net interest income | 870,000 | 1,743,000 | 2,620,000 | 3,503,000 |
| Noninterest income | 61,000 | 128,000 | 199,000 | 236,000 |
| Noninterest expense | 789,000 | 1,480,000 | 2,236,000 | 2,995,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 142,000 | 391,000 | 583,000 | 744,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 142,000 | 391,000 | 583,000 | 744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,332,000 | 10,912,000 | 11,028,000 | 11,188,000 |
| Total capital | 12,310,000 | 11,950,000 | 12,021,000 | 12,199,000 |
| Risk-weighted assets | 82,896,000 | 82,465,000 | 78,808,000 | 80,406,000 |